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Top Kotak Mahindra Car Insurance Plans

PLAN TYPE: Comprehensive
Starting From 2833
PLAN TYPE: Third Party
Starting From 2094
PLAN TYPE: Own Damage
Starting From 1327

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About Kotak Mahindra Car Insurance

Kotak Mahindra is a popular general insurance company in the business. The company was incorporated in December 2014. However, Kotak received approval from the IRDA in April 2015. The company offers an array of non-life insurance products like car insurance, two-wheeler insurance, health insurance, and plenty more. Did you know that Kotak Insurance is a 100% subsidiary of Kotak Mahindra Bank Ltd? Well, the bank is a part of the Kotak Mahindra Group, headed by Uday Kotak. Banking operations kick-started long back in 2003.

Kotak Insurance aims at developing exclusively customized car insurance products paired with a cutting-edge digital infrastructure to provide customers with nothing but the best. The company has established its presence in 167 cities across the country. There are a total of 232 offices at present. Kotak General Insurance has crossed significant milestones since it was first incorporated. If you secure your vehicle with a Kotak car insurance policy, be assured that you are protected from all ends when you hit the roads.

Kotak Car Insurance

Kotak General Insurance Company provides different types of car insurance plans for its policyholders which they can select as per their budget and requirements. Three types of car insurance plans offered by Kotak General Insurance include a Third-Party, Standalone Own-Damage and Comprehensive Insurance policy. A car insurance plan gives policyholders legal and financial protection from various sorts of unfortunate events. It also provides protection against third party liabilities arising due to an accident or a mishap.

Kotak car third-party insurance policy takes care of liabilities towards a third party due to an accident that may result in injuries, disability, death and property damage of the third party. To own a third-party policy is mandatory in India as per the Indian Motor Tariff and car owners can be charged with a fine of Rs. 2,000 and/or imprisonment for up to 3 months on being caught. This two-wheeler insurance plan gives legal assistance or financial in times of crisis.

Kotak standalone own-damage car insurance policy gives coverage for the damages to the insured car in case of an accident or a mishap. An own-damage policy gives compensation for the damages to your car in case of an accident, theft, vandalism, natural calamities, or man-made disasters. Standalone own-damage insurance plan gives financial protection to the policyholder for any damages to the car in case of any mishap.

Kotak comprehensive car insurance policy is a complete policy that combines third party as well as standalone own-damage coverage. This type of car insurance policy gives coverage for third party liabilities like bodily injuries, disability, death or property damage to the third party in addition to coverage for damages arising during an accident or any other mishap. Kotak also gives a personal accident cover with this plan to cover your injury caused while driving, mounting into, dismounting from, or travelling as a co-driver in the insured vehicle. It could be extended to other passengers of the car if they are in carrying capacity of the car.

You can buy add-on covers to increase the coverage of your own damage and comprehensive covers as per your requirements. Choosing the right add-ons is very important as they make a considerable difference in the amount of premium. Some of the top add-on covers offered by Kotak are roadside assistance, depreciation cover, consumables cover, engine protect, return to invoice, etc. The insurer also offers a No Claim Bonus for every claim-free year to customers holding their own damage or comprehensive covers.

Significant Points of Kotak Car Insurance



Founding Year


Claim Settlement Ratio


Network Garages


Third Party Property Damage

Up to Rs. 7.5 Lakh

Own Damage Cover

Coverage for Own Car for Its Loss and Damage

Personal Accident Cover

Up to Rs. 15 Lakh

Add-on Covers

9 Add-on Covers

Claim Assistance

24/7 Claim Assistance

209 Kotak Cashless Garages in India

Kotak Car Insurance User Reviews

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  • Protecting Your Car's Worth

    Zero-dep insurance is all about protecting your car's worth. InsuranceDekho’s Kotak Car Insurance Policy ens...

    By Vedashi Bidani
    On: November 24, 2023
  • No Worries, No Surprises

    The beauty of having own damage coverage with the Kotak Car Insurance Policy is that there are no worries an...

    By Sanjiv Kapila
    On: November 22, 2023
  • Seamless Policy Extension

    I extended my Kotak Car Insurance Policy through InsuranceDekho, and the process was seamless. The coverage ...

    By Anshu Nayyar
    On: November 15, 2023
  • Invest in Hassle-Free Renewals...

    I consider my choice to invest in the renewal of the Kotak Car Insurance Policy through InsuranceDekho as an...

    By Mamta Rajender
    On: October 30, 2023
  • Tailored to My Needs

    InsuranceDekho's premium calculator doesn't offer a one-size-fits-all solution. It tailors premiums to match...

    By Saisha Manchanda
    On: October 17, 2023
  • Prompt Claim Settlement under ...

    InsuranceDekho ensures prompt claim settlement for third-party coverage for the Kotak Car Insurance Policy, ...

    By Gunjan Reddy
    On: October 11, 2023
  • Own Damage Protection for My C...

    InsuranceDekho's own damage coverage with the Kotak Car Insurance Policy provides comprehensive protection f...

    By Krishna Kumari
    On: September 29, 2023
  • Essential Coverage for Respons...

    InsuranceDekho's third-party coverage which is an added benefit of the Kotak Car Insurance Policy is essenti...

    By Jai Bhatia
    On: September 20, 2023
  • All-In-One Protection with Com...

    With InsuranceDekho's comprehensive policy, I get all-in-one protection under the Kotak Car Insurance Policy...

    By Sandeep Singh
    On: September 14, 2023
  • Time-Saving Convenience

    Renewing my Kotak Car Insurance Policy for my Ford car through InsuranceDekho is a time-saving convenience. ...

    By Jyotsna Rana
    On: September 12, 2023

Kotak Mahindra Car Insurance FAQs

  • Can I avail the benefits of roadside assistance with Kotak car insurance?

    Kotak Insurance provides prompt services for roadside assistance. Don’t panic when you are stranded in a deserted road. Call Kotak on 1800 266 4545 and request for help. Some of the services provided include:

    • Battery jump start
    • Towing of the car
    • Emergency refueling
    • Key replacement if you are locked out
    • Minor repairs if needed
  • I have a car insurance policy with Kotak. What should I know about IDV?

    IDV stands for the Insured Declared Value of a vehicle. It is the maximum sum assured decided by the insurer in circumstances of theft or total loss. Please Note: Costs of registration and insurance is not included when calculating the IDV of a vehicle. In short, final compensation is offered by an insurance company in situations of a total loss on the basis of IDV.

  • I wish to purchase motor insurance from Kotak. How long will my policy be valid?

    While generally insurance plans are for a year, insurance companies have now come up with long-term plans. New car owners must insure their vehicles with a third party policy for at least 3 years

  • Third Party Policy by Kotak – what is the coverage offered?

    Third party insurance is a basic policy. It covers:

    • Damage to a third party property
    • Disability or death due to accident
    • Legal fees and lawsuits due to accidents
  • Does Kotak Car Insurance provide No Claim Bonus?

    Yes, the company provides No Claim Bonus. NCB is provided when a customer does not make any claim during a policy period

Car Insurance News


Every detail provided in this website is for information purpose only. Insurancedekho under no circumstances, endorse the information provided. However, we are always doing our best to keep our privileged customers up-to-date with neutral and factual information.

Kotak Car insurance starting from ₹ 2094/year*

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Kotak Car insurance starting from ₹ 2094/year*
#Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.